Who Has Cheap Plano Auto Insurance for a GMC Sierra?

Finding the best cheap auto insurance for a GMC Sierra is pretty simple for most people to do, but it relies on many different factors such as how long your commute is, your credit status, and driving violations. Texas drivers will pay around $1,221 a year for Sierra insurance, but that cost is a valuation calculated using a 50-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.

This brings up the issue that more than likely you’re not a 50-year-old male, you might be married instead of single, or maybe you just want liability only. Having even a minor difference in the criteria used to calculate rates can result in a large change in the cost of insurance for a GMC Sierra.

Having different needs demonstrates why the best method for finding the cheapest rates for your GMC is to do your own rate comparisons.

View GMC Sierra Insurance Rates

The trim level of your Sierra tends to impact the cost of insurance, so the price to insure a Sierra SLE Regular Cab 2WD model will be $200 less expensive the insurance cost for the more costly Sierra Denali Crew Cab 4WD version, as shown below.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in specific garaging location which can alter prices noticeably.

Selecting the top auto insurance company can be difficult considering how many different companies insure vehicles in Plano. The company rank data shown below may help you select which coverage providers to look at to insure your vehicles. These rankings are for the largest companies in the United States, so companies that have a smaller presence will not be included in this list.

Top 10 Major Auto Insurance Companies in Plano Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top 10 Major Auto Insurance Companies in Plano Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

How to get discounts on Plano car insurance rates

Car insurance companies that provide policies for a GMC Sierra may additionally offer discounts that may potentially lower prices by as much as 30% if you meet specific criteria. Larger insurance companies and the discounts they provide can be read below.

• 21st Century offers discounts including student driver, defensive driver, homeowners, good student, theft prevention, and 55 and older.
• Progressive may have discounts that include multi-vehicle, online quote discount, continuous coverage, online signing, homeowner, and multi-policy.
• State Farm offers discounts for Steer Clear safe driver discount, driver’s education, good driver, good student, defensive driving training, anti-theft, and passive restraint.
• Nationwide policyholders can earn discounts including easy pay, Farm Bureau membership, business or organization, good student, multi-policy, accident-free, and anti-theft.
• Esurance discounts include Switch & Save, claim free, anti-theft, online shopper, and multi-policy.
• The Hartford has savings for air bag, defensive driver, bundle, driver training, and anti-theft.

The example below compares car insurance costs with and without discounts applied. The rates are based on a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, vehicle safety, passive restraint, defensive driving course, marriage, and accident-free discounts applied. When taking advantage of discounts, the average savings per year on insurance for a GMC Sierra is 28% or $529.

Impact of violations and accidents on rates in Plano

The easiest method to get low insurance rates in Plano for a Sierra pickup is to be a cautious driver and avoid tickets and accidents. The illustration below demonstrates how traffic citations and at-fault accidents influence insurance costs for different categories of driver ages. The data assumes a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of auto insurance per year with no violations or accidents is $1,955. Add in one speeding ticket and the average cost increases to $2,247, an increase of $291 each year. Now add one accident along with the one speeding ticket and the yearly cost of insurance for a GMC Sierra increases to an average of $3,065. That’s an increase of $1,110, or $93 per month, just for not keeping your driving record clean!

Difference between liability only and full coverage rates

Paying a lower price for insurance is probably important to most people, and an effective way to find cheaper insurance for a GMC Sierra is to not buy full coverage. The example below visualizes the comparison of auto insurance costs with full coverage compared to only the Texas minimum liability coverage. The premiums are based on no violations or claims, $500 deductibles, drivers are single, and no discounts are taken into consideration.

If averaged out across all ages, physical damage coverage on your policy costs an additional $2,464 per year over and above liability coverage. That proposes the question if paying for full coverage is a waste of money. There is no clear-cut rule to drop full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.